Standard Bank
vs
Access Bank Plc
Interest rates compared
Introduction
This fixed deposit comparison page compares Standard Bank interest rates to Access Bank Plc interest rates. All the interest rates shown are sourced from the Standard Bank and Access Bank Plc websites, respectively. All rates shown on this page have been converted to nominal rates! This allows for a fair comparison. Rates last updated 2nd October 2026.
How do Standard Bank fixed deposit interest rates compare to Access Bank Plc ?
You are more likely to find better interest rates at Standard Bank than Access Bank Plc. Specifically, 100 out of 100 interest rates are better at Standard Bank than Access Bank Plc. This means you are more likely to find a better interest rate at Access Bank Plc 0% of the time. (PS this was done by comparing all the interest rates on offer for different terms, investment amounts and age groups. Only terms which are offered by both banks are included in the comparison)
The best interest rate you can get at Standard Bank is 8.241454697126116% for the 60-month fixed deposit. You will need a minimum deposit of R100,000 . Whilst at Access Bank Plc, the best interest rate you can get is 5.5% for the 18-month fixed deposit. You will need a minimum deposit of R0 .
But how do interest rates at Standard Bank compare to Access Bank Plc across different terms and investment amounts?
1 month fixed deposit interest rates compared
This table shows Standard Bank's and Access Bank Plc's interest rates for a R10,000, R100,000, R250,000 and R1,000,000 investment in a 1 month fixed deposit.
| Investment amount | Standard Bank1 | Access Bank Plc1 | Winner 2 |
|---|---|---|---|
| R10,000 for 18+ | 6.11% | 5.25% | + 7 |
| R100,000 for 18+ | 6.67% | 5.25% | + 119 |
| R250,000 for 18+ | 6.67% | 5.25% | + 296 |
| R1,000,000 for 18+ | 6.77% | 5.25% | + 1,263 |
- 1 nominal interest rate
- 2 the amount of interest you will be able earn at Standard Bank over and above Access Bank Plc.
A negative amount means that Access Bank Plc offers more than Standard Bank.
You get a 6.766175580590161% interest rate at Standard Bank for a R1,000,000 investment in a 1 month fixed deposit (if you are older than 18). Access Bank Plc's interest rate for the same terms is 5.25%. Over 1 months you will earn R1,263 more in interest at Standard Bank compared Access Bank Plc.
2 month fixed deposit interest rates compared
This table shows Standard Bank's and Access Bank Plc's interest rates for a R10,000, R100,000, R250,000 and R1,000,000 investment in a 2 month fixed deposit.
| Investment amount | Standard Bank1 | Access Bank Plc1 | Winner 2 |
|---|---|---|---|
| R10,000 for 18+ | 6.11% | 5.30% | + 14 |
| R100,000 for 18+ | 6.72% | 5.30% | + 238 |
| R250,000 for 18+ | 6.72% | 5.30% | + 596 |
| R1,000,000 for 18+ | 6.82% | 5.30% | + 2,541 |
- 1 nominal interest rate
- 2 the amount of interest you will be able earn at Standard Bank over and above Access Bank Plc.
A negative amount means that Access Bank Plc offers more than Standard Bank.
You get a 6.816925177262689% interest rate at Standard Bank for a R1,000,000 investment in a 2 month fixed deposit (if you are older than 18). Access Bank Plc's interest rate for the same terms is 5.30%. Over 2 months you will earn R2,541 more in interest at Standard Bank compared Access Bank Plc.
3 month fixed deposit interest rates compared
This table shows Standard Bank's and Access Bank Plc's interest rates for a R10,000, R100,000, R250,000 and R1,000,000 investment in a 3 month fixed deposit.
| Investment amount | Standard Bank1 | Access Bank Plc1 | Winner 2 |
|---|---|---|---|
| R10,000 for 18+ | 6.26% | 5.30% | + 24 |
| R100,000 for 18+ | 6.82% | 5.30% | + 383 |
| R250,000 for 18+ | 6.82% | 5.30% | + 958 |
| R1,000,000 for 18+ | 6.91% | 5.30% | + 4,071 |
- 1 nominal interest rate
- 2 the amount of interest you will be able earn at Standard Bank over and above Access Bank Plc.
A negative amount means that Access Bank Plc offers more than Standard Bank.
You get a 6.911782749805884% interest rate at Standard Bank for a R1,000,000 investment in a 3 month fixed deposit (if you are older than 18). Access Bank Plc's interest rate for the same terms is 5.30%. Over 3 months you will earn R4,071 more in interest at Standard Bank compared Access Bank Plc.
6 month fixed deposit interest rates compared
This table shows Standard Bank's and Access Bank Plc's interest rates for a R10,000, R100,000, R250,000 and R1,000,000 investment in a 6 month fixed deposit.
| Investment amount | Standard Bank1 | Access Bank Plc1 | Winner 2 |
|---|---|---|---|
| R10,000 for 18+ | 6.33% | 5.30% | + 53 |
| R100,000 for 18+ | 6.94% | 5.30% | + 842 |
| R250,000 for 18+ | 6.94% | 5.30% | + 2,105 |
| R1,000,000 for 18+ | 7.04% | 5.30% | + 8,903 |
- 1 nominal interest rate
- 2 the amount of interest you will be able earn at Standard Bank over and above Access Bank Plc.
A negative amount means that Access Bank Plc offers more than Standard Bank.
You get a 7.035631524018271% interest rate at Standard Bank for a R1,000,000 investment in a 6 month fixed deposit (if you are older than 18). Access Bank Plc's interest rate for the same terms is 5.30%. Over 6 months you will earn R8,903 more in interest at Standard Bank compared Access Bank Plc.
9 month fixed deposit interest rates compared
This table shows Standard Bank's and Access Bank Plc's interest rates for a R10,000, R100,000, R250,000 and R1,000,000 investment in a 9 month fixed deposit.
| Investment amount | Standard Bank1 | Access Bank Plc1 | Winner 2 |
|---|---|---|---|
| R10,000 for 18+ | 6.33% | 5.30% | + 81 |
| R100,000 for 18+ | 7.10% | 5.30% | + 1,410 |
| R250,000 for 18+ | 7.10% | 5.30% | + 3,525 |
| R1,000,000 for 18+ | 7.20% | 5.30% | + 14,837 |
- 1 nominal interest rate
- 2 the amount of interest you will be able earn at Standard Bank over and above Access Bank Plc.
A negative amount means that Access Bank Plc offers more than Standard Bank.
You get a 7.197737115410696% interest rate at Standard Bank for a R1,000,000 investment in a 9 month fixed deposit (if you are older than 18). Access Bank Plc's interest rate for the same terms is 5.30%. Over 9 months you will earn R14,837 more in interest at Standard Bank compared Access Bank Plc.
1 year fixed deposit interest rates compared
This table shows Standard Bank's and Access Bank Plc's interest rates for a R10,000, R100,000, R250,000 and R1,000,000 investment in a 1 year fixed deposit.
| Investment amount | Standard Bank1 | Access Bank Plc1 | Winner 2 |
|---|---|---|---|
| R10,000 for 18+ | 6.78% | 5.30% | + 157 |
| R100,000 for 18+ | 7.35% | 5.30% | + 2,169 |
| R250,000 for 18+ | 7.35% | 5.30% | + 5,423 |
| R1,000,000 for 18+ | 7.40% | 5.30% | + 22,293 |
- 1 nominal interest rate
- 2 the amount of interest you will be able earn at Standard Bank over and above Access Bank Plc.
A negative amount means that Access Bank Plc offers more than Standard Bank.
You get a 7.403537698241536% interest rate at Standard Bank for a R1,000,000 investment in a 1 year fixed deposit (if you are older than 18). Access Bank Plc's interest rate for the same terms is 5.30%. Over 12 months you will earn R22,293 more in interest at Standard Bank compared Access Bank Plc.
1.5 year fixed deposit interest rates compared
This table shows Standard Bank's and Access Bank Plc's interest rates for a R10,000, R100,000, R250,000 and R1,000,000 investment in a 1.5 year fixed deposit.
| Investment amount | Standard Bank1 | Access Bank Plc1 | Winner 2 |
|---|---|---|---|
| R10,000 for 18+ | 7.23% | 5.50% | + 283 |
| R100,000 for 18+ | 7.75% | 5.50% | + 3,704 |
| R250,000 for 18+ | 7.75% | 5.50% | + 9,261 |
| R1,000,000 for 18+ | 7.75% | 5.50% | + 37,043 |
- 1 nominal interest rate
- 2 the amount of interest you will be able earn at Standard Bank over and above Access Bank Plc.
A negative amount means that Access Bank Plc offers more than Standard Bank.
You get a 7.74878907419545% interest rate at Standard Bank for a R1,000,000 investment in a 1.5 year fixed deposit (if you are older than 18). Access Bank Plc's interest rate for the same terms is 5.50%. Over 1.5 years you will earn R37,043 more in interest at Standard Bank compared Access Bank Plc.
2 year fixed deposit interest rates compared
This table shows Standard Bank's and Access Bank Plc's interest rates for a R10,000, R100,000, R250,000 and R1,000,000 investment in a 2 year fixed deposit.
| Investment amount | Standard Bank1 | Access Bank Plc1 | Winner 2 |
|---|---|---|---|
| R10,000 for 18+ | 7.28% | 5.50% | + 403 |
| R100,000 for 18+ | 7.84% | 5.50% | + 5,321 |
| R250,000 for 18+ | 7.84% | 5.50% | + 13,303 |
| R1,000,000 for 18+ | 7.84% | 5.50% | + 53,212 |
- 1 nominal interest rate
- 2 the amount of interest you will be able earn at Standard Bank over and above Access Bank Plc.
A negative amount means that Access Bank Plc offers more than Standard Bank.
You get a 7.84191418500777% interest rate at Standard Bank for a R1,000,000 investment in a 2 year fixed deposit (if you are older than 18). Access Bank Plc's interest rate for the same terms is 5.50%. Over 2 years you will earn R53,212 more in interest at Standard Bank compared Access Bank Plc.
3 year fixed deposit interest rates compared
This table shows Standard Bank's and Access Bank Plc's interest rates for a R10,000, R100,000, R250,000 and R1,000,000 investment in a 3 year fixed deposit.
| Investment amount | Standard Bank1 | Access Bank Plc1 | Winner 2 |
|---|---|---|---|
| R10,000 for 18+ | 7.43% | 5.50% | + 699 |
| R100,000 for 18+ | 7.99% | 5.50% | + 9,094 |
| R250,000 for 18+ | 7.99% | 5.50% | + 22,735 |
| R1,000,000 for 18+ | 7.99% | 5.50% | + 90,938 |
- 1 nominal interest rate
- 2 the amount of interest you will be able earn at Standard Bank over and above Access Bank Plc.
A negative amount means that Access Bank Plc offers more than Standard Bank.
You get a 7.9907502815825815% interest rate at Standard Bank for a R1,000,000 investment in a 3 year fixed deposit (if you are older than 18). Access Bank Plc's interest rate for the same terms is 5.50%. Over 3 years you will earn R90,938 more in interest at Standard Bank compared Access Bank Plc.
4 year fixed deposit interest rates compared
This table shows Standard Bank's and Access Bank Plc's interest rates for a R10,000, R100,000, R250,000 and R1,000,000 investment in a 4 year fixed deposit.
| Investment amount | Standard Bank1 | Access Bank Plc1 | Winner 2 |
|---|---|---|---|
| R10,000 for 18+ | 7.56% | 5.50% | + 1,065 |
| R100,000 for 18+ | 8.11% | 5.50% | + 13,633 |
| R250,000 for 18+ | 8.11% | 5.50% | + 34,081 |
| R1,000,000 for 18+ | 8.11% | 5.50% | + 136,325 |
- 1 nominal interest rate
- 2 the amount of interest you will be able earn at Standard Bank over and above Access Bank Plc.
A negative amount means that Access Bank Plc offers more than Standard Bank.
You get a 8.11153125385502% interest rate at Standard Bank for a R1,000,000 investment in a 4 year fixed deposit (if you are older than 18). Access Bank Plc's interest rate for the same terms is 5.50%. Over 4 years you will earn R136,325 more in interest at Standard Bank compared Access Bank Plc.
5 year fixed deposit interest rates compared
This table shows Standard Bank's and Access Bank Plc's interest rates for a R10,000, R100,000, R250,000 and R1,000,000 investment in a 5 year fixed deposit.
| Investment amount | Standard Bank1 | Access Bank Plc1 | Winner 2 |
|---|---|---|---|
| R10,000 for 18+ | 7.69% | 5.50% | + 1,516 |
| R100,000 for 18+ | 8.24% | 5.50% | + 19,212 |
| R250,000 for 18+ | 8.24% | 5.50% | + 48,029 |
| R1,000,000 for 18+ | 8.24% | 5.50% | + 192,115 |
- 1 nominal interest rate
- 2 the amount of interest you will be able earn at Standard Bank over and above Access Bank Plc.
A negative amount means that Access Bank Plc offers more than Standard Bank.
You get a 8.241454697126116% interest rate at Standard Bank for a R1,000,000 investment in a 5 year fixed deposit (if you are older than 18). Access Bank Plc's interest rate for the same terms is 5.50%. Over 5 years you will earn R192,115 more in interest at Standard Bank compared Access Bank Plc.
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